Compared with 654.38+100000 yuan, the loss of time deposit is 654.38+0900 yuan, and the loss of current savings is more. The current annual interest rate of demand deposits is only 0.4%, which is equivalent to demand savings of 654.38 million yuan, with an actual loss of 4,500 yuan.
Bank financial experts calculated an account for us: the deposit interest rate MINUS CPI, and the result is the actual value of the deposit. Since the current CPI is higher than the deposit interest rate, the deposit will become a negative interest rate after one year. At present, the one-year lump-sum deposit and withdrawal term interest rate is 3.0%, which means that the negative interest rate is further widened to 1.9%. That is to say, if you deposit 1 ,000 yuan in the bank, you can only buy the goods equivalent to 95 10 yuan after one year, plus the one-year time deposit interest 300 yuan, you will still lose/kloc-. In other words, the higher the CPI, the smaller the people's money bags.
10000 yuan time deposit loss 190 yuan, the loss of current savings is more. At present, the annual interest rate of demand deposit is 0.4%, which is equivalent to 6,543,800 yuan demand deposit. A year later, 450 yuan actually lost money. "Fortunately, the state has cancelled the interest tax, otherwise the people will lose more." Bank financial planners said that the current CPI is getting higher and higher, and it is becoming more and more uneconomical to hold money, so many people put money into the stock market and the property market. "After all, holding assets is more cost-effective than holding currency." He said that if CPI continues to rise, it is imperative to raise interest rates.
Professor Hu of Yunnan University said that from the perspective of digital performance, the inflationary pressure will remain unchanged this year, even greater. The decline of CPI from June to February last year was largely due to the intervention of governments at all levels. The high CPI of 5438+ 10 in June this year is a new wave of rebound after prices are difficult to suppress. Monetary easing in developed countries may run through this year, and international commodity prices tend to rise as a whole; In the past two years, China's excess currency liquidity, the inflationary pressure that is being transmitted at present, and the most important increase in labor and land costs in the next few years have always existed objectively. In fact, the CPI of 20 1 1 year may reach 5%-6%. In contrast, the next few interest rate hikes of 0.25% are really nothing.
400 yuan, who saved it 33 years ago, has always forgotten to take it, and now he has taken more than 800 yuan with interest. The once "huge sum" can only buy one bottle of Moutai.
The experience of mother-in-law Tang in Chengdu has been widely reprinted on the Internet recently. The reporter searched "Tang deposit" on Google and got 83,000 results.
Some netizens said that 400 yuan of Tang Dynasty was a "huge sum" at 1977, because at that time, the per capita deposit in China was only 20 yuan.
According to the price level at that time, 400 yuan can buy a small brick house in a small county or a house with a homestead in the suburbs.
According to the current price, 835.82 yuan can only buy 420 Jin of flour, or 1 bottle of Moutai.
Zhao, a doctor of finance, told reporters that Tang's experience stems from the "negative interest rate"-the CPI index reflecting rising prices is higher than the bank's one-year deposit interest rate.
The latest CPI has risen by 4.4%, and the one-year fixed deposit interest rate is 2.5%. That is to say, if you deposit 1 10,000 yuan in the bank, you can only buy goods equivalent to 9560 yuan now after one year. Even if you add the one-year fixed interest 250 yuan, you will still lose 190 yuan.
expert opinion/advice
Fighting inflation makes money "move"
Some netizens calculated that if Tang had added 40 yuan's money, he could have bought 199 1 00 Vanke shares.
Now, counting all the distribution and dividends of Vanke in the past 20 years, the market value of her shares will reach an astonishing 152238 yuan (reinstatement price), and the investment income will be 345 times.
How to deal with the asset shrinkage caused by rising prices? Mr. Zhao believes that the key is to make money "move". Financial analysts in Yinlv.com believe that different groups have different ways to fight inflation, and several common investment options are also different.
Stocks: stocks are well done and can completely outperform CPI.
But the principle of making money in the stock market is: 10% people make money, 20% people are flat, and 70% people lose money. To make money in the stock market, investors need to have super risk tolerance.
Equity funds: At present, there are more than 400 equity funds in the market, so it is best for investors to allocate a portfolio. Anti-inflation assets, bond assets and equity assets are necessary components.
People with strong pressure resistance can choose secondary debt base. Although the secondary debt base may suffer losses when the stock market continues to slump and is affected by investment stocks, it is a good financial tool to resist inflation.
The advantage of the secondary debt base is that it can flexibly allocate assets according to the trend of the stock market and share the opportunities brought by the stock market while controlling risks.
Long-term time deposit holders who are extremely averse to risks can consider replacing time deposits with tier-one debt bases. Since the beginning of this year, the average yield of 68 primary debt bases has reached 9.09%, and the yield of 19 debt bases has exceeded 10%, far exceeding CPI.
Ultra-short-term financial products: Many new investors are young people who have just joined the work and have little balance on hand. This kind of group can be summarized as "people who don't have much money left to try their luck".
The most suitable choice for these people is to buy ultra-short-term wealth management products, and the product purchase period should not exceed 1 year. If you choose the right bank wealth management products, it is also possible to outperform CPI.
Particularly flexible financial investors can pay attention to bank wealth management products linked to commodities such as gold and oil in the short term to resist inflation to some extent.
Insurance financing: At present, most life insurance products sold in the market can be divided into investment products (such as investment-linked insurance and universal insurance) and dividend-paying products.
Judging from the annual income of dividend insurance, the overall dividend income level of the insurance industry is basically maintained at 3.5% to 5%, and individual excellent companies can reach more than 7%. Beating CPI is basically not a problem.
Let's look at spot gold:
1. Investment amount: more or less, high leverage ratio;
2. Investment period: trading 24 hours a day, T+0, which can be sold on the day of purchase;
3. Return on investment: You can take more short positions, and there are profit opportunities for both ups and downs, and the risk is smaller than that of foreign exchange and futures.
Greater than stocks and deposits;
4. Simple transaction and quick realization: instant transaction, 100% transaction;
5. Cost: low commission;
6. Flexibility: two-way time-limited trading, with many profit opportunities;
7. Influencing factors: the global market has a huge turnover and is not controlled by large households;
8. Technical analysis: it is not subject to artificial changes and is the most reliable;
9. Risk degree: the risk is high, but the control is perfect, with price limit and stop loss protection.
Ten characteristics of gold speculation:
1. The price of gold fluctuates greatly: it is quoted according to the international gold market and international practice. Due to various international political and economic factors, as well as the impact of various emergencies, the price of gold is often in violent fluctuations, and we can make use of this price difference to conduct firm gold trading.
Second, the trading service time is long: each trader has different operating hours according to different situations, covering the trading hours of major international gold markets and trading 23.5 hours a day.
Third, T+0 system: the settlement time of funds is short, and many reverse transactions can be carried out on the same day, providing more investment opportunities.
Fourth, the operation is simple: if there is a foundation, it will be seen immediately; It is simpler than stock trading, and there is no trouble in stock selection.
Five, no market control: global linkage trading market, the whole world is speculating this kind of gold, the market capacity is large, so the gold market has no banker factor, openness, fairness, justice, good trend and reliable technical analysis.
6. Tax advantage: The tax items included in the transaction process are basically only the customs declaration fee when gold is imported.
Seven, earn more: gold rises, do more, earn more; Gold fell, shorted, earned! (The stock will only make money when it goes up, and it will lose money when it goes down, or it can only wait and see.)
Eight, the margin system: using the leverage principle, the use of funds is more efficient, and the magnification can be reduced by lightening the position to achieve the same effect as the bank, which is very flexible.
The trend is good: gold speculation has just started in China. When stocks, real estate and foreign exchange are indifferent, gold can give people a refreshing feeling.
X. Strong value preservation: Gold has always been one of the best value preservation products with great appreciation potential; Now global inflation is intensifying, which will promote the appreciation of gold.
Related reading